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Collection of payments on the Internet

Collection of payments on the Internet

A comfortable way for collecting payments on the Internet.

  • Bank Link enables your clients to instantly pay for goods and services purchased from your online shop.
  • With the Internet Card Payment, you can offer your clients the chance to pay for the purchased services online with a Visa or MasterCard credit or debit card.
  • The authentication service allows you to safely identify a client entering your service environment or online shop.

Authentication service

The authentication service allows you to safely and simply identify a client entering your service environment or online shop.

Prerequisites for using the authentication service:

  • a current account in SEB;
  • a website that meets the requirements and requires that the client identify themselves before using the website;
  • submit an application to join the service in the Internet Bank or the link provided below.

Process of authenticating a client:

  • A package must be installed under the “SEB” logo on the website, which, once pressed, directs the client to the Internet Bank for identification.
  • In the Internet Bank, a client shall give consent to SEB for forwarding their name and personal identification code to the service provider.
  • The service provider is then sent a package which includes the authentication information and the client’s name and personal identification code.

 

Technical requirements for a developer

Bank Link / authentication service logo

The website of the online shop must include the Internet Bank logo, which the client cannot make or change on their own.

1. Home page icon
 

seb_120x60.gif
120x60 pixels
2559 bytes

Text under the icon: You can pay via SEB Internet Bank here.
From the icon please refer to the page http://www.seb.ee opened in a new window, with a recommendable name "SEB".

2. Home page icon
 

seb_88x31.gif
88x31 pixels
1803 bytes

Text under the icon: You can pay via SEB Internet Bank here.
From the icon please refer to the page http://www.seb.ee opened in a new window, with a recommendable name "SEB".

3. Icon for starting payment
 

The icon used measures 88 x 31 pixels including the submit button. The HTML code is placed in the form element with the details of the electronic payment order.

 
You can develop the technical solution on your own or order one from our partners

E-mail for the Bank Link’s technical support: .

 

Internet Card Payment:

  • Enables Estonian and foreign clients to pay for the goods and services with Visa and MasterCard credit and debit cards provided that the card allows this function.
  • Helps expand the company’s business and increase turnover.
  • Legal persons who own a current account in SEB and are registered in Estonia or an EU member state can conclude the agreement.
  • Uses the e-commerce payment gateway payment solution, which was developed in cooperation with Nets Estonia AS.
  • Is safe for the merchant – card transactions are protected with the 3D Secure programme.
  • Is safe for the card owner – the merchant does not gain access to the complete card number of the card owner. The card data is entered to the database of the server of Nets Estonia upon payment.

Technical requirements for a developer

 

 

General requirements for a merchant’s website

To use the Internet Card Payment service, the merchant’s website must meet the following terms and conditions:

Contact data of the company

The website offering the goods or services must belong to a company that has concluded an agreement with the bank.

  • complete name of the company;
  • registry code;
  • postal address; country of residence;
  • e-mail address;
  • contact phone.

Information about the offered goods and services

  • Complete list of goods/services – a detailed description of the goods/service; price list (currency for the card transaction);
  • Total cost of the order – postal charges and the fee for determining them will be added; reference to possible additional fees, including the obligation of the person who orders to pay possible customs fees and value-added taxes.

Paying for goods and services and card logos

  • Description and terms and conditions of the purchasing process – must be easily found and unambiguous for the client;
  • Payment methods – different payment methods must be listed, including Internet Card Payment;
  • The website must clearly display the logos of the accepted cards (MasterCard/Visa) and trademarks (SecureCode, VbV). You can download the correct logos from the website of Nets Estonia;
  • Information presented to the card owner regarding the privacy policy / data security: “After forming an order, the client is directed to the safe environment of Nets Estonia AS to make the payment. There, they will find a pre-filled payment order, which specifies the sum to be paid. After entering the card number, the security code (3-digit number on the back of the card), and the validity time of the card, Nets Estonia authorises the transaction in the client’s bank. The SSL security protocol and the MasterCard SecureCode and Verified by Visa security programmes are used for asking the card data; this ensures that unauthorised persons cannot overhear or change the exchanged data.”

Terms and conditions for the delivery and return of goods and services

  • Procedure for handing over / sending the goods;
  • Procedure for forwarding data about the order to the client;
  • Warranty provisions of the goods; procedure for exchange and return;
  • Phone and e-mail address of customer support and procedure for providing feedback. Phone: local time working hours and time zone (GMT +2); e-mail address: time period in which replies are provided.
  • The merchant undertakes to verify by any means which leaves a written record that the card owner has agreed to the terms and conditions for providing the service and/or the sale of the goods before confirming the transaction.

NB! The entire transaction process must be executed on the website specified in the agreement concluded with the bank. It is prohibited to direct the website to sites not specified in the agreement. It is also prohibited to direct the websites of other sales environments to the website specified in the agreement.

We also ask that you familiarise yourself with the document prepared by the Consumer Protection Board Instructions for a company operating in e-trade, which includes instructions for merchants arising from the requirements of the law and good trading practices.

How does the Internet Card Payment work?

  • The client selects their goods in the merchant’s online shop, confirms the order, and selects “card payment” as the payment method.
  • The merchant’s programme prepares an inquiry which is signed electronically and forwarded to the server of Nets Estonia.
  • During the transaction, the client automatically enters the payment page of Nets Estonia, where they will enter their card number, the validity term of their card, the card’s security code (CVV – Card Verification Value), and their name.
  • Nets Estonia sends the authorisation inquiry to the card owner’s bank.
  • Confirmation of the transaction is displayed to the client and feedback of the transaction is also sent to the merchant.

The merchant can prepare for the client:

  1. a receipt; feedback is sent to the merchant with an HTTP inquiry;
  2. a receipt with a link; by clicking on the link, feedback is sent with an HTTP inquiry to the software of the merchant’s online store server, and the client is redirected to the merchant’s online store page;
  3. an HTML page which automatically directs the client to the merchant’s online store, where the merchant prepares the receipt on their own.

With the service, merchants can additionally monitor the reports of their card transactions online (reports of sent and unsent transactions; it is also possible to check the details of transactions made months before – the type of card that was used to pay for the purchase, the sum, the time when the transaction was made, and the time when the transactions were sent to the bank for processing, etc.).

How to prevent card frauds?

Internet Card Payments provide a more convenient method for purchases. Unfortunately, more convenient methods mean greater risks. The more card data people enter, the more tempted criminals are to gain access to them.

Merchants unfortunately have to deal with card frauds as they provide Internet payments. Therefore, here are some simple guidelines for preventing card fraud and the resultant damage.

Before sending out the goods, the transaction data should be checked and attention should be paid to irregular activities:

  • compare the data with previous frauds;
  • check the addresses where the goods are sent. Situations where transactions for goods ordered to the same address have been made with different bank cards or different card holders might cause suspicion;
  • Pay attention to unconventional sums. Transitions made in larger than usual sums should be paid especially close attention to;
  • Pay attention to the IP addresses of the card holders. If the same IP address is used to make transactions with different cards or for different recipients, close attention should be paid.

If there is any suspicion of a fraud, the merchant must immediately contact the bank and not send the goods.

 

Terms and conditions of the Bank Link Contract

Terms and conditions of Authentication Contract

Terms and conditions of e-commerce service agreement

Requirements for accepting cards payments on the internet

12. Bank link   
subscription min EUR 65
transaction fee 1% of transaction value, min EUR 0.13 per transaction
monthly maintenance fee as agreed with the bank, min EUR 15
amendment of agreement EUR 15
authentication  
   subscription EUR 65
   amendment of agreement EUR 15
   monthly maintenance fee EUR 20 or as agreed with the client
Internet Card Payment  
agreement conclusion fee EUR 50
monthly fee per one trading place EUR 10
transaction processing fee as agreed with the bank

 

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